Insurance Solutions

Estate & Insurance Planning for Individuals
Estate maximization and tax minimization
Asset preservation and accumulation
Income maximization
Lifestyle protection

Estate & Insurance Planning for Corporations
Income maximization
Funding of shareholder/buy-sell agreements in the event of death, disability or critical illness.
Tax liabilities upon death of owner or major shareholder
Tax-free share redemption upon death of owner or major shareholder

Disability Income Insurance
Regardless of where you are in your life, you need income to support your lifestyle. Put plans in place in your income earning years to ensure your income will continue uninterrupted if you are hit by disability.

Critical Illness
Due to advances in medical science, many people today survive a critical illness. However, quite often their finances do not. A lump sum benefit payment may be used for access to specialized medical care when and where you want so you can focus on recovery

Asset Protection Plan Strategy
Many people are concerned about their financial security in retirement and preserving the value of their estate for the next generation. Asset preservation is an integral component of any financial plan. Insurance can play an important role in your financial plan as a tax-efficient asset preservation tool. I can provide you with the insurance solutions best suited to complement your wealth management strategy.

Registered Asset Preservation Plan
Learn how life insurance can be used to preserve your RRSP or RRIF capital for your chosen beneficiaries.

Insured Annuity Strategy
This planning technique is designed for individuals whose retirement income is supplemented by passive non-registered investments.

Estate Preservation
Make sure that your estate is distributed according to your wishes and use life insurance as a tool for paying estate settlement costs or for estate equalization among your heirs.

Charitable Giving
Take advantage of the attractive income tax benefits from using life insurance for charitable giving.